Two people with the same savings balance can face very different retirements. One may have a pension and a paid-off home; another may still pay rent and support a relative. The useful starting point is the gap between the life you expect to fund and the income available to fund it.

Feeling prepared is helpful, but it is not a financial test result. Choose the description that best fits you to find a starting task. The steps below organize a review of savings, benefits, expenses, and assumptions; they do not determine a safe retirement date or guarantee that money will last.

How prepared do you feel for retirement?

Choose your current feeling to find a practical starting task for reviewing expenses, benefits, savings, and assumptions. This is not a readiness score.

Very preparedSomewhat preparedBehind scheduleNot sure

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